WE SERVE ALL OF PENNSYLVANIA

Overall Debt Options

Call us for a Free Consultation to review your options.

Discover Your Best Options

We know that it can feel like you have no options when you’re running out of money and the creditors are closing in, but there’s always hope with Harold Shepley & Associates.

 

We will work hand in hand with you to determine the best course of action to get you where you need to be.  

 

We offer a wide range of services, and our attorneys will walk you through each option available to you and discuss the benefits and drawbacks of each.

FAQs

Though we make every effort to help you avoid bankruptcy, sometimes it is the best option. When you file Chapter 7, all of your unsecured debt is usually discharged and you may be able to keep most of your assets.

Filing bankruptcy under Chapter 13 gives you a much greater chance of keeping your assets. Generally there is no liquidation, and you have the opportunity to pay back some of your debt.

Our attorneys favor negotiation over any other form of debt relief. It is the fastest and most effective way to get out of debt without filing for bankruptcy. Your debts can often be settled for less than you owe, and your credit can be restored to an acceptable score.

When you are unable to keep up with your mortgage payments, you are at risk of losing your home in foreclosure. However, your lender may be willing to accept lower monthly payments and extend the term of your loan.

Our Litigation team complements our Debt Negotiation team.  We can defend lawsuits, eliminate debt, or reduce debt providing you with a payment you can afford.

Remember, you do have options but the longer you wait to call, the fewer options you have. We don’t just tell you to sit down and listen, we help you choose the right plan for you.

Contact us today. You have nothing to lose but your debt.

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